Commission Tariffs and Rates
Visa Infinite cards
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Visa Infinite debit cards |
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Card issuance |
0 |
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Annual service fee |
AMD 100,000 |
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Instant card issuance |
AMD 10,000 |
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For non-resident Bank customers since 24.02.2022 |
AMD 300,000 |
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Issuance of a supplementary card |
0 |
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Annual service fee for a supplementary card [1] |
Visa Infinite |
AMD 70,000 |
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Visa Platinum |
0 |
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Required minimum balance |
N/A |
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Annual interest rate (%) accrued on the card account balance |
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Up to AMD 5 million |
1.5% |
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Equal to or over AMD 5 million |
2% |
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Foreign currency |
0% |
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Cash withdrawal via Bank’s ATMs and POS-terminals or cash withdrawal from a Bank teller [2] |
AMD |
1% |
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US dollars and Euros |
1%[3] |
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Other currencies |
1% |
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Cash withdrawal via ATMs and POS-terminals of other Armenian ArCa member banks[4] |
1.2%[5] |
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Cash withdrawal via ATMs and POS-terminals of foreign banks and Armenian non-ArCa member banks [6] |
1.5%, min AMD 2,500[7] |
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Cash withdrawal from a Bank teller [8] [9] [10] |
AMD |
1% |
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US dollars and Euros |
1% |
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Other currencies |
1% |
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Fee for cashless payments in stores using POS-terminals of the Bank and other banks |
0 |
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Card blocking |
0 |
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Card unblocking (in case of wrong PIN or CVV input) |
AMD 1,000 |
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Expired card replacement |
0 |
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Stolen, damaged or lost card replacement |
AMD 30,000 |
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New PIN generation |
AMD 1,000 |
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Monthly card account statement |
0 |
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Card account statement for a period over 1 month[11] |
0 |
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Depositing cash via cash-in ATMs of ArCa member banks |
1.2% |
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Account/card crediting via the Bank’s payment terminals |
0 |
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Transactional SMS |
0 |
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Transaction notification in Evoca Touch app |
0 |
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Cashback on international payments [12] |
0.5% |
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Penalty for overspending |
20% per year |
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Card-to-card transfers via ATMs |
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Transfer to a Bank debit card [13] |
1% |
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Transfer to debit cards of other ArCa member banks and banks working with ArCa via H2H channel [14] |
1.2% |
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Card-to-card internal transfers via EvocaTouch/EvocaOnline apps |
To a card in the same currency |
1% |
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To a card in another currency |
1% |
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Card-to-card transfers via EvocaTouch/EvocaOnline to debit cards of other ArCa member banks and banks working with ArCa via H2H channel |
1.2% |
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Fee for reviewing credit limit request |
0 |
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Fee for reviewing credit limit increase request |
0 |
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Cash withdrawal limit |
AMD 5,000,000 |
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Maximum number of daily cash withdrawal transactions |
20 |
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Maximum amount of cash withdrawal per transaction (via ATMs) |
Up to AMD 500,000 (depending on ATM type) |
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Fee for increasing daily limit of cash withdrawal transactions or their amount for the entire period of card validity |
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Fee for changing cash withdrawal limit up to AMD 5 million |
0 |
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Fee for changing cash withdrawal limit over AMD 5 million |
0 |
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Card transactions appeal fee [15] |
AMD 5,000 |
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Expired card service fee |
AMD 2000 per month, if the funds in the account are insufficient – charging the funds in the account. |
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[1] For foreigners: a five-fold base fee and for a supplementary card - upfront payment of a three-year service fee.
[2] For cards with additional (grace) period credit limit (overdraft) - 1 %.
[3] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.
[4] For cards with additional (grace) period credit limit (overdraft) - 1.5 %.
[5] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.
[6] For cards with additional (grace) period credit limit (overdraft) - 1.5 %, min AMD 2,500.
[7] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.
[8] The mentioned fee will also apply to transfer of funds from VISA Infinite card account.
[9] For cards with additional (grace) period credit limit (overdraft): in AMD - 1%, in a foreign currency - 1%. The fee will also apply to transfer of funds using the cards with additional (grace) period credit limit (overdraft).
[10] The fee will also apply to any types of supplementary cards linked to VISA Infinite card.
[11] All fees include VAT.
[12] Cashback will be credited to the card account if the amount exceeds AMD 5000 or a foreign currency equivalent. Maximum cashback is set to equal AMD 200 000 or a foreign currency equivalent.
[13] For the cards with additional (grace) period credit limit (overdraft) -1%.
[14] For the cards with additional (grace) period credit limit (overdraft) - 1.5%.
[15] Will be charged if the Bank's investigation shows that the transaction was implemented by the customer or due to a violation of card rules by the customer.
